Federal Bank
Federal Bank RuPay Credit Card
Best for rewards, upi, lifetime-free
Lifetime free · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
2x
Min. income
₹2,00,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2 lakh/yr · CIBIL 650+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Rewards optimiser
- Fee-averse spender
What we like
- Lifetime free — no annual fee
Watch out for
- 2.5% cash-advance fee
- 3.5% foreign-transaction markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | 3.5% | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2.00 | — | 0.25 |
| ONLINE | 2.00 | — | 0.25 |
Benefits
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel between ₹400 and ₹10,000 (max ₹250/month) — 1% waiver
Eligibility
- Age
- 18–65 years
- Min. income
- ₹2,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed, student
- Documents
- UPI-focused RuPay lifetime-free card
Federal Bank RuPay Credit Card is a RUPAY credit card from Federal Bank. It is best suited for rewards, upi, lifetime-free.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 2X rewards on UPI
Eligibility
UPI-focused RuPay lifetime-free card
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Federal Bank RuPay Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Federal Bank RuPay Credit Card worth it?
What is the annual fee for the Federal Bank RuPay Credit Card?
How does the Federal Bank RuPay Credit Card reward rate work?
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What are the eligibility requirements for the Federal Bank RuPay Credit Card?
Does the Federal Bank RuPay Credit Card offer airport lounge access?
What is the forex markup on the Federal Bank RuPay Credit Card?
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